COMPARE TRAVEL INSURANCE

Travel insurance is a no brainer for any overseas holiday, but not all policies are the same. Zoom makes it easy to compare travel insurance plans, no matter where you're zooming to. The trick to choosing the right policy is to consider your trip and compare the benefit levels that you need. All of Zoom's policies offer unlimited overseas medical cover for emergencies. Use the comparison below to compare cover for cancellation, lost or delayed luggage and personal items and much more. Expand the benefits for more detail on cover and sub-limits that may apply.

Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.

Includes Dental Expenses (per person)

$500

$500

$500

Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

Additional Expenses

-

$10,000

$50,000

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)

Includes Family Emergency

-

Yes

Yes

Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Includes Resumption of Journey

-

$3,000

$3,000

Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.

Accidental Death

-

-

$25,000

A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)

Permanent Disability^^

-

-

$25,000

A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)

Loss of Income^^

-

-

$10,400

Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)

CANCELLATION

-

$25,000

Unlimited

Cancellation Fees & Lost Deposits

-

$25,000

Unlimited

Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.

Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)

LUGGAGE

-

$7,500

$7,500

Luggage & Personal Effects

-

$7,500

$7,500

Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.

Luggage & Personal Effects Delay Expenses^^

-

-

$250

Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)

Travel Documents & Transaction Cards^^

-

$2,000

$5,000

Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.

Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.

Includes Dental Expenses (per person)$500

Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

Additional Expenses-

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)

Includes Family Emergency-

Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Includes Resumption of Journey-

Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.

Accidental Death-

A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)

Permanent Disability^^-

A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)

Loss of Income^^-

Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)

CANCELLATIONUnlimited

Cancellation Fees & Lost DepositsUnlimited

Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.

Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)

LUGGAGE-

Luggage & Personal Effects-

Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.

Luggage & Personal Effects Delay Expenses^^-

Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)

Travel Documents & Transaction Cards^^-

Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.

Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.

Includes Dental Expenses (per person)$500

Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

Additional Expenses$30,000

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)

Includes Family EmergencyYes

Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Includes Resumption of Journey$3,000

Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.

Accidental Death-

A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)

Permanent Disability^^-

A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)

Loss of Income^^-

Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)

CANCELLATIONUnlimited

Cancellation Fees & Lost DepositsUnlimited

Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.

Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)

LUGGAGE$5,000

Luggage & Personal Effects$5,000

Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.

Luggage & Personal Effects Delay Expenses^^-

Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)

Travel Documents & Transaction Cards^^$2,000

Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.

Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.

Includes Dental Expenses (per person)$500

Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

Additional Expenses$50,000

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)

Includes Family EmergencyYes

Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Includes Resumption of Journey$3,000

Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.

Accidental Death$25,000

A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)

Permanent Disability^^$25,000

A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)

Loss of Income^^$10,400

Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)

CANCELLATIONUnlimited

Cancellation Fees & Lost DepositsUnlimited

Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.

Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)

LUGGAGE$7,500

Luggage & Personal Effects$7,500

Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.

Luggage & Personal Effects Delay Expenses^^$250

Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)

Travel Documents & Transaction Cards^^$5,000

Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.

We are proud to be Australian owned and operated. Based in Sydney, NSW, our friendly team look forward to hearing from you.

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that Zoom travel insurance is backed by Lloyd’s of London, one of the world’s most trusted insurers.

COMPARING COVER FAQ'S

It’s important to choose the right policy for your kind of holiday. At Zoom, we offer three different plans for a single overseas trip, a domestic plan and frequent traveller plans for the jetsetters amongst you. You can also tailor your policy with additional options such as specifying high value items that you're taking with you, adding our Ski Pack if you're hitting the slopes, or our Adventure Pack if your trekking, plus plenty more options to ensure you have adequate cover..

Which policy is best for me?

The best policy for you may not be what’s best for someone else. When buying travel insurance, it’s important to look for cover that’s going to suit your needs. For example, if you're heading on a long trip with just a rucksack, you may not need a lot of luggage cover and our Medical Only policy may suit. Whereas if you've outlaid a lot of upfront fees for an upcoming cruise, you'll need to select our Cruise Pack add-on and ensure that the cancellation benefit limits covers your prepaid expenses in the event that had to cancel your trip.

At Zoom, we give you the option to tailor your policy to suit your needs. Reading reviews for travel insurance on sites such as Compare Travel Insurance is also a great way to find out more information.

Do your plans cover cruises?

If you're heading on a cruise, you must purchase our cruise pack in order to be covered. This can be added to This will ensure that your covered from ship to shore for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

I am currently overseas but have no insurance, can I buy travel insurance?

No, you need to purchase Zoom travel insurance before you depart Australia.

What age limits apply to Zoom's travel Insurance?

You must be under the age of 85 to buy a policy with Zoom. Those under 79 years can purchase a policy for a maximum trip duration of 365 days. Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days only. You must also be under the age of 69 to purchase our add-on ski or adventure packs.

Am I covered for adventure activities?

We automatically cover a wide range of adventure sports and activities including diving, bunjee jumping and horse riding. If you're planning on getting your heart pumping with some riskier activities such as high altitude trekking, and high grade white water rafting, you will need to buy our Adventure Pack. This can be added to all plans, except the Medical Only plan. See a full list of Zoom's additional sports and adventure activties.

Are there per item limits on your luggage benefit?

Yes, for personal computers, laptops, video recorders or cameras, there is a per item limit of $3,000. For mobile phones and tablets (including PDAs, smartphones and any item with phone capabilities) there is a per item limit of $1,000. For all other items, the limit is $750.

If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our Comprehensive plan.

If I claim, do I have to pay an excess?

It depends on the travel insurance benefit you’re claiming. For example, you'll have to pay an excess for Medical, Luggage and Cancellation but no excess for Luggage Delay Expenses or Travel Delays. The excess will be $200 or $100 if you paid the additional premium to reduce your excess.

A $2,000 excess applies for claims arising from or related to injury or illness for those over the age of 80 years.

Can I reduce my excess with Zoom?

Yes you can reduce the standard excess of $200 to $100 for an additional premium. You'll need to select the excess reduction option within the purchase process.

If I buy your top Comprehensive cover, am I covered for anything that goes wrong?

Unfortunately, you wouldn't be able to afford the premiums if we covered you for everything. One of the biggest misconceptions is around missed flights. If you get to the airport late because you dilly-dallied or the airline delayed your flight due to mechanical fault, you'll have to take this up with the airline. But if you missed your flight or it was cancelled due to bad weather, strikes, riots or anything outside of your or the airlines control, then it's likely to be covered. There are limits and exclusions that apply to all travel insurance policies, so we strongly advise you to read our product disclosure statement (and search it using [ctrl+F] for key words relevant to your requirements) to see if our product is right for you.

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"Zoom Travel Insurance" is a registered Business name of the Insurance Geeks Pty Ltd ABN 35 612 507 785 located at Level 11, 307 Pitt Street, Sydney, NSW 2000 Australia. The Insurance Geeks is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. This site contains general guidance only on insurance products available to you. Before you buy a policy, you should consider if this product suits your needs by reading the policy wording, known as a Product Disclosure Document (PDS) in light of your personal circumstances. This insurance is underwritten by certain underwriters at Lloyd's.